Pages and pages of jargon
The cover exists, but it is written to be filed, not read. The answers are almost always in the general conditions: the document nobody opens.
Personal insurance assistant
Ask your policy, in your own words
Upload your insurance contracts, ask a question the way you would ask a friend, and get a clear answer with the exact clause it comes from. No waiting, no phone calls.
- Data hosted in Switzerland
- Answers only from your documents
- English, German, French and Italian
Coverly
What deductible do I pay if my bike gets stolen?
Your deductible is CHF 200.– per claim.
Household contents policy no. 7731-0452 states a deductible of CHF 200.– (page 2). The general conditions set CHF 500.– in art. 21, but the amount written in the policy takes precedence. Bicycle theft away from home is covered up to CHF 2,000.–.
- Household policy.pdfpage 2 · deductible
- GTC 2024.pdfart. 21 · general deductible
Information drawn from your documents, not insurance advice.
The problem
A policy gets signed once, then disappears
It ends up in a drawer or an old email. And when it really matters, nobody remembers what it says.
Documents in ten different places
Mailboxes, insurer portals, folders at home. Finding the right file takes longer than the question it was meant to settle.
Deadlines that pass in silence
Automatic renewals and notice periods do not announce themselves. You notice the problem when nothing can be changed any more.
A phone call for every doubt
Even for a thirty-second question you write to your advisor and wait. Yet the answer is already in the contract, in black and white.
How it works
Three steps, zero forms
Coverly does the tedious part. All that is left for you is the question.
Upload your documents
A photo from your phone, a scan or a PDF. Policy and general conditions together: that is where the answers hide.
Coverly reads and organises
It recognises the insurer, policy number, validity, premium and deductible, and assigns the right category. No fields to fill in, no folders to create.
Ask your question
Write it the way you would say it. The answer comes back in plain language, with the document and the article it was taken from.
The difference
Every answer has a source: your policy
Coverly does not tell you what a contract like yours “usually” provides. It reads yours, and shows you where the answer comes from. If something is not in your documents, it says so clearly instead of making it up.
Everyday questions
The ones that end in a phone call today. With Coverly they get an immediate answer, taken from your documents.
- Is my bike covered against theft?
- What is the deductible on my health insurance?
- What do I do after a car accident?
- Does household insurance cover water damage?
- When does my motor liability expire?
- Up to what amount does legal protection cover me?
- Is my luggage insured when I travel?
- What does my partial casco cover?
It recognises the Swiss categories
Every document is classified automatically, so the list stays tidy without you managing folders.
No limit on the number of insurers or policies.
Transparency
What Coverly does, and what it will never do
We would rather say it upfront: the boundary is part of the product, not a footnote.
Coverly does this
- Gathers your policies and their general conditions in one tidy place.
- Answers your questions, pointing to the document and the clause.
- Tells you explicitly when the answer is not in your documents.
- Warns you ahead of expiry dates and notice periods.
- Guides you step by step when you need to report a claim.
Coverly does not do this
- It does not sell policies and does not collect premiums.
- It does not compare products on the market and does not pitch offers to you.
- It does not tell you which insurance is the better deal: that would be advice.
- It does not answer with general knowledge taken from the internet.
- It does not show your documents to anyone you have not authorised.
Security
Your documents stay yours
Insurance is a matter of trust. Trust is built on precise rules, not on vague promises.
A broker sees only what you delegate
A broker’s access stems from an explicit delegation that you grant and can revoke. The unit of authorisation is the single policy, not the person.
Data hosted in Switzerland
Documents and data reside on infrastructure on Swiss territory. No ambiguity about location.
Checked policy by policy
Data separation is not an effect of the interface: every request is verified on the server before anything is returned.
Every access leaves a trace
Operations and access are logged, distinguishing what you do from what a broker does on your behalf.
For brokers
Fewer repetitive questions, more time for advice
Every week, hours go into answering questions whose answer is already in the client’s policy. Coverly makes clients self-sufficient on those, and leaves you the conversations that really matter.
- Clients find the simple answers themselves, at any hour.
- You only see clients and policies with an active delegation.
- Cost grows only with the clients you actually manage.
Pricing
Clear, in francs, no surprises
If you come through your broker, Coverly is free for you. If you use it on your own, it is an annual subscription.
With your broker
If your broker offers you Coverly
CHF0for you
The cost is borne by the broker who invites you.
Direct client
If you use Coverly on your own
CHF99per year
Annual subscription, no activation fee.
Broker
If you offer Coverly to your clients
CHF2per client, per year
No flat fee, no minimum.
Frequently asked questions
The short answers. The long ones are on the dedicated page.
Who can see my documents?
You, and only the brokers you have granted an active delegation for that specific policy. Nobody else.
Can the assistant be wrong?
It can. That is why every answer points to the document and the clause it comes from, so you can check it in seconds. And when the information is missing, it says so.
Do I need to install an app?
No. Coverly works in the browser, on your phone as well as on your computer.
Which languages does it work in?
English, German, French and Italian. You can ask questions in a language other than the policy’s.
Start with a single policy
One is enough to understand how it works. Add the others whenever you like.